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Rates effective as of 10:45 a.m. 1/05/2009.
Home Bank Conforming Mortgage Products
Fixed Rates | Rate | Origination Fee
| Discount Points | APR | 30 Year | 5.500% | 0.00 | 0.00 | 5.5399% | | 5.000% | 0.75 | 0.00 | 5.1055% | | 4.625% | 1.00 | 0.75 | 4.8164% | 15 Year | 4.875% | 0.00 | 0.00 | 4.9419% | | 4.500% | 1.00 | 0.00 | 4.7180% | | 4.375% | 1.00 | 0.50 | 4.6687% | FHA Loans | Rate | Origination Fee | Discount Points | APR | 30 Year | 5.500% | 0.75 | 0.00 | 6.3688% | VA Loans | Rate | Origination Fee | Discount Points | APR | 30 Year | 5.500% | 0.00 | 0.00 | 5.6932% | ARM Loans | Rate | Origination Fee | Discount Points | APR | 5 Yr. - 30 Yr. | 5.750% | 0.00 | 0.00 | 5.3362% | Construction Loans | Rate | Origination Fee | Discount Points | APR | 30 Yr. Term | 6.000% | 0.00 | 0.00 | 6.0786% | 15 Yr. Term | 5.750% | 0.00 | 0.00 | 5.8808% |
Additional fees and terms may apply. Maximum Loan - $417,000. ARM Loans: Maximum Loan - $417,000.
- Index - 1 Yr. T-Bill 0.400%
- Margin: 2.75%
- Caps: 2% year, 5% life
- Floor: Initial note rate
Construction Loans: Maximum Loan - $417,000.
- One-Time Closing
- 9-Month Construction Period
Fixed - APR calculations are based on a $100,000 loan amount, 80% LTV, Rate, Term, & Points as stated. Fees totaling $454 + 30 days of per diem interest are also included. FHA - APR calculations are based on a $100,000 loan amount + FHA MIP, Rate, Term, & Points as stated. Fees totaling $481.95 + 30 days of per diem interest are also included. VA - APR calculations are based on 100% financing of an adjusted loan amount of $102,150 + Term, & Points as stated. Fees totaling $2,160.95 includes VA Funding Fee of 2.15% rate + 30 days of per diem interest. ARM - APR calculations are based on a $100,000 loan amount, 80% LTV, Rate, Term, & Points as stated. Fees totaling $454 + 15 days of per diem interest are also included for ARMs and 30 days for Fixed Rate. Construction - APR calculations are based on a $100,000 loan amount, 80% LTV, Rate, Term, & Points as stated. Fees totaling $854 are included. Jumbo Loan Rates are available upon request.
Please note that interest rates, points, and terms are subject to change without prior notification. Rates may be locked in with a completed loan application, referencing a specific product. Home Bank is an Equal Housing Lender. Please contact a mortgage originator to verify current market rates. Click for contact information for our mortgage team. Click here to print a mortgage application now.
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